Medical insurance can often be confusing. So itâs always recommended that one should understand the clauses of oneâs medical insurance policy comprehensively and understand its full scope. Hereâs an incident that occurred regarding my own medical insurance policy.
Shortly after I adopted a medical insurance a policy, I went for a routine visit to the doctor. I was stunned when he diagnosed me as having a minor cardiac ailment. I asked him whether it had started before or after the date I had signed up for the insurance cover. He replied that there was a high possibility that this had developed well before the start of the policy.
This has left me a bit troubled, as I hadnât provided my medical history before signing up for the policy. I had, instead, opted for the moratorium. It meant that if any ailment had existed in the last five years or so, the policy would not cover it.
Treating cardiac ailments can cost a fortune, especially when there are complications. I have heard that some consultancies can give proper advice regarding such matters. One of my friends suggested Datahealth Consultancy. Health does come before everything else, but I guess itâs best to clear matters out as soon as possible.
Now that you've mentioned it, one of my colleagues had an almost identical issue once. He has had a history of cardiac problems. He seemed worried last week about what would happen to his wife and his sons, should there be a mishap. I asked him whether he was medically insured. The response, as expected, was in the negative.
His wife is single with a seven-year-old son. Thinking of what might happen to them concerned myself as well. However, I conversed with him further. No problems had been found yet, as far as cardiac problems were concerned. I advised him to sign up for a Critical Illness Insurance nevertheless â it is the kind of insurance that pays oneâs family should one dies of some ailment.
Another colleague overheard us and interjected. He directed my friend to visit any medical insurance consultancy before taking action. He suggested Datahealth Consultancy â the consultancy he himself visits regarding matters of medical insurance, and which you yourself mentioned in your post (some coincidence eh?)
My first colleague has signed up for a policy with the moratorium option. By the looks of things, his worries seem well alleviated.